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Become A Personal Lines Underwriter

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Working As A Personal Lines Underwriter

  • Selling or Influencing Others
  • Communicating with Persons Outside Organization
  • Performing for or Working Directly with the Public
  • Establishing and Maintaining Interpersonal Relationships
  • Getting Information
  • Deal with People

  • Mostly Sitting

  • Make Decisions

  • $91,404

    Average Salary

Example Of What A Personal Lines Underwriter does

  • Run reports and monitor loss ratio for the States of Utah, Wyoming & Idaho.
  • Provided front line customer service in person and on multi line phone system, data entry of personal/confidential information.
  • Review applications and make accurate underwriting decisions for State Farm Fire Company.
  • Build relationships and negotiate premium changes with our independent agents.
  • Assisted in ordering motor vehicle reports via RMV database.
  • Provided written summary of findings in inspection reports.
  • Review fire and auto transactions for Oregon, Washington, and California insurance agents.
  • Traveled throughout central and southern California to train State Farm agents and staff on various policy changes.
  • Provide clerical duties and customer service to insured customers and inquirers in one of America's leading insurance companies.
  • Answered phone calls from policyholders or agents regarding their billing inquiries.
  • Led performance management function for 50 personnel across 28 branches nationwide.
  • Gather data and conduct evaluation to determine risk in order to scale rates and approve insurance coverage.
  • Obtain information and investigates the facts of loss to make liability determination.
  • Issue new business policies after reviewing risk against underwriting guidelines.
  • Managed and underwrote a portfolio of Personal Lines insurance for the state of Massachusetts.
  • Underwrite insurance applications for auto, home and umbrella policies.
  • Provide excellent Customer Service to Hagerty Clients.
  • Review and underwrite personal auto policies and correspond and gather additional information needed to evaluate the risk.
  • Performed a continuous review of over 12,000 insurance policies regarding changes and losses.
  • Quote new Personal Lines business using TransactNow Rating System.

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How To Become A Personal Lines Underwriter

Although most employers require agents to have a high school diploma, many agents have a bachelor’s degree. Agents must be licensed in the states where they work.

Education

A high school diploma is the typical requirement for insurance sales agents, although a bachelor’s degree can improve one’s job prospects. Public-speaking classes can be useful in improving sales techniques, and often agents will have taken courses in business, finance, or economics. Business knowledge is also helpful for sales agents hoping to advance to a managerial position.

Training

Insurance sales agents learn many of their job duties on the job from other agents. Many employers have new agents shadow an experienced agent. This practice allows the new agent to learn how to conduct the company’s business and to understand how the agency interacts with clients.

Employers also are increasingly placing greater emphasis on continuing professional education as the variety of financial products sold by insurance sales agents grows. Changes in tax laws, government benefits programs, and other state and federal regulations can affect the insurance needs of clients and the way in which agents conduct business. Agents can enhance their selling skills and broaden their knowledge of insurance and other financial services by taking courses at colleges and universities or by attending conferences and seminars sponsored by insurance organizations.

Licenses, Certifications, and Registrations

Insurance sales agents must have a license in the states where they work. Separate licenses are required for agents to sell life and health insurance and property and casualty insurance. In most states, licenses are issued only to applicants who complete specified courses and who pass state exams covering insurance fundamentals and state insurance laws. Most state licensing authorities also require agents to take continuing education courses focusing on insurance laws, consumer protection, ethics, and the technical details of various insurance policies.

As the demand for financial-planning services increases, many agents also choose to get licensed and certified to sell securities and other financial products. Licensing and certification requires substantial study time to pass an additional exam—either the Series 6 or Series 7 licensing exam, both of which are administered by the Financial Industry Regulatory Authority (FINRA). The Series 6 exam is for agents who want to sell only mutual funds and variable annuities. The Series 7 exam is the main FINRA series license, which qualifies agents as general securities sales representatives.

A number of organizations offer certifications that show an agent’s expertise in insurance specialties. These certifications are not required for employment, but they can give job candidates an advantage over other applicants. Certifications also can be a source of continuing education credit. For details on specific designations, contact The Institutes and The American College of Financial Services.

Important Qualities

Analytical skills. Insurance sales agents must evaluate the characteristics of each client to determine the appropriate insurance policy.

Communication skills. Insurance sales agents must be able to communicate effectively with customers by listening to their requests and suggesting suitable policies.

Initiative. Insurance sales agents need to actively seek out new customers to maintain a flow of commissions.

Self-confidence. Insurance sales agents should be confident when making “cold” calls (calls to prospective customers who have not been contacted before). They must speak clearly and persuasively and maintain their composure if rejected.

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Personal Lines Underwriter jobs

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Personal Lines Underwriter Demographics

Gender

  • Female

    59.5%
  • Male

    39.1%
  • Unknown

    1.4%

Ethnicity

  • White

    80.5%
  • Hispanic or Latino

    10.9%
  • Asian

    6.6%
  • Unknown

    1.2%
  • Black or African American

    0.7%
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Languages Spoken

  • Spanish

    59.3%
  • Carrier

    11.1%
  • Portuguese

    3.7%
  • Chinese

    3.7%
  • Mandarin

    3.7%
  • Italian

    3.7%
  • German

    1.9%
  • Cantonese

    1.9%
  • Occidental

    1.9%
  • Hindi

    1.9%
  • Tagalog

    1.9%
  • Russian

    1.9%
  • Korean

    1.9%
  • Hmong

    1.9%
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Personal Lines Underwriter

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Personal Lines Underwriter Education

Personal Lines Underwriter

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Top Skills for A Personal Lines Underwriter

PersonalLinesInsuranceInsurancePoliciesPersonalAutoInsuranceCoverageCustomerServiceUnderwritingTerritoryLiabilityHomeownerLossRatioAdditionalInformationInsuranceCompaniesCompanyUnderwritingGuidelinesPolicyChangesInsuranceAgentsUnderwritingDecisionsMotorVehicleReportsDataEntryInsuranceApplicationsNewBusinessPoliciesPhoneCalls

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Top Personal Lines Underwriter Skills

  1. Personal Lines Insurance
  2. Insurance Policies
  3. Personal Auto
You can check out examples of real life uses of top skills on resumes here:
  • Reviewed accuracy, completeness and eligibility guidelines to properly classify personal lines insurance risks.
  • Trained sales, underwriting, and claims staff on the different insurance policies, underwriting standards, and customer service programs.
  • Examined applications and renewal forms to determine risk level for California personal auto program.
  • Evaluate customer suitability for insurance coverage while taking consideration of legal ramifications.
  • Provide Customer Service to a portion of the Personal Lines Book of business.

Top Personal Lines Underwriter Employers

Personal Lines Underwriter Videos

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Chartered Property Casualty Underwriter (CPCU 500)

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